refactor(登录): 登录态从 Cookie 换成 access token + refresh token

- access token 是 15 分钟的 JWT，走 Authorization: Bearer；refresh token 7 天，每次换都轮换
- 退出登录、改密码、禁用账号仍然立刻生效：每个请求核对 Redis 会话和库里新加的 user.token_version
- 在服务器后台改密码 / 禁用，机房那边登着的也会一起下线（原来两边 Redis 分开，管不到）
- WebSocket 握手借子协议带 token；JWT 密钥存在本站 Redis，部署不用加配置
- 去掉 COOKIE_SECURE；上线后所有人要重新登录一次

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

apps/web/src/utils/stream.ts

@@ -1,4 +1,5 @@
 import { handleGlobalApiError } from "./api"
+import { authFetch } from "./auth"
 
 export interface JSONEventStreamHandlers<T = any> {
   onMessage: (data: T, event?: string) => void
@@ -152,7 +153,7 @@ export async function streamAI<Done = Record<string, unknown>>(
   body: unknown,
   handlers: AIStreamHandlers<Done>,
 ) {
-  const response = await fetch(`/api/${path}`, {
+  const response = await authFetch(`/api/${path}`, {
     method: "POST",
     headers: { "Content-Type": "application/json" },
     body: JSON.stringify(body),